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Cards for Bad Credit
In normal circumstances, if you have a bad or non-existent credit score you will likely struggle to get a standard credit card. However, many credit card issuers understand that circumstances can change for some people meaning that they are now in a position to use credit sensibly and build a credit rating using a card for bad credit (also known as a credit building card). Most issuers now offer a credit card for those people battling with a previous bad credit history, but at a price. Read more...>
| Product Name | Balance Transfer Intro |
Purchases Intro |
Representative APR (variable) |
Rewards |
|---|---|---|---|---|
-
Capital One Classic Extra
-
n/a
-
n/a
-
34.9%
APR
-
Cashback
- Get 0.5% cashback on all your purchases (No Cashback Limits)
- 60 second application response - credit limit up to £1,500
- Conditional £10 annual bonus for paying on time each month
Representative Example: 34.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 34.94% p.a. (variable)
-
Barclaycard Initial
-
n/a
-
0%
3 mths
-
29.9%
APR
-
Barclaycard Unwind
- 0% on purchases for 3 months from opening your account
- Stay on top of your spending with free text reminders
- Still suitable if you've had CCJs over 12 months ago, but have not missed +2 payments recently
Representative Example: 29.90% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 29.90% p.a. (variable)
-
Aqua Classic
-
n/a
-
n/a
-
29.7%
APR
-
No Rewards
- Free aqua Credit Checker, worth up to £80.
- Initial credit limit to £1,600 with possible increase every four months up to £2,700 (subject to status)
- Aqua accept people who have had CCJs or are on low income
Representative Example: 29.7% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 29.73% p.a. (variable)
-
Aquis
-
n/a
-
n/a
-
29.8%
APR
-
No Rewards
- Fixed credit limit to help you stay in control
- 24/7 SMS and online account management
- Good for applicants who want to build or rebuild their credit rating
Representative Example: 29.8% APR representative (variable). Based on a credit limit of £1,000 and a purchase rate of 29.8% p.a. (variable)
-
Capital One Progress
-
n/a
-
n/a
-
29.9%
APR
-
No Rewards
- Shrink your interest rates to as low as 17.9% p.a. variable
- Credit limit up to £1,500
- Good credit rating is required
Representative Example: 29.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 29.94% p.a. (variable)
-
Capital One Classic
-
n/a
-
n/a
-
34.9%
APR
-
No Rewards
- 60 second application response - credit limit up to £1,500
- Free email alerts to help you stay in control
- Good for applicants who want to build or rebuild their credit rating
Representative Example: 34.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 34.94% p.a. (variable)
-
Aqua Advance
-
n/a
-
n/a
-
34.9%
APR
-
No rewards
- Free aqua Credit Checker, worth up to £80.
- Build your credit - Repay on time & your rate could reduce (subject to status)
- Aqua accept applications from people who have had CCJs or are on a low income
Representative Example: 34.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 34.92% p.a. (variable)
-
Aqua Classic Card
-
n/a
-
n/a
-
39.9%
APR
-
No Rewards
- Free aqua Credit Checker, worth up to £80.
- Initial credit limit to £1,600 with possible increase every four months up to £2,700 (subject to status)
- Applications accepted from people who have had CCJs or are on low income
Representative Example: 39.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 39.95% p.a. (variable)
-
Vanquis Visa
-
n/a
-
n/a
-
39.9%
APR
-
No Rewards
- Fixed credit limit to help you stay in control
- Free fraud monitoring
- Good for applicants who want to build or rebuild their credit rating
Representative Example: 39.9% APR representative (variable). Based on a credit limit of £1,000 and a purchase rate of 39.94% p.a. (variable)
-
Black Diamond Visa
-
n/a
-
n/a
-
59.9%
APR
-
No Rewards
- Initial credit limit from £150 to £1,000
- Build your credit limit over time
- Applicants cannot be a current Vanquis Visa card holder, or have applied for Vanquis Visa card in the last 6 months
Representative Example: Purchase annual interest rate 59.94% (variable). Amount of credit £250. Representative 59.9% APR (variable)
-
Shout Visa
-
n/a
-
n/a
-
627.0%
APR
-
n/a
- Initial Credit Limit of up to £300
- No interest charges - Pay a simple monthly fee (based on your balance)
- May be suitable for first time credit-seekers and people with a less than perfect credit history
Representative Example: If you spent £300 on a purchase at the start of your agreement, incurred total monthly charges of £540 over a period of 20 months and made repayments in accordance with your T&Cs, your APR would be 627% APR representative (variable)
Bad Credit Credit Cards
To compensate for the possible risk of non-payment, the issurs of credit cards for bad credit tend to charge higher rates of interest. So long as the balance is paid off every month, the user may build up a better credit rating which, in the long run, could lead to the opportunity of obtaining credit cards with better rates in the future.
Cards for bad credit offer access to funds, the chance to purchase items online or on the phone, and an opportunity to rebuild your credit rating (as long as the balance is met on time).
Cards for bad credit often have some additional features such as no annual fee, the opportunity to increase the credit limit after a few months and security safeguards such as warnings for unusual card activity.
Top Tips for Bad Credit Credit Cards
- Even if you have previously been refused for a standard card you may be able to get a card for bad credit
- Further improve your credit score by paying your bills on time.
- Cards for bad credit are ideal if you have credit problems over 12 months old, are new to credit or self employed
- The card will initially come with a low credit rating but this can increase after time
- If you can, try to pay off your bill in full each month to avoid high Interest rates.
Browse credit cards by Issuer
Product Offers
Please ensure that you fully read the terms & conditions of any product or policy before you decide to proceed and are fully aware of the total costs and the benefits and any exclusions or limitations applicable to the product or plan.
Please note that the product links will take you direct to the Issuer or Insurer's site direct and we cannot be held responsible for the information which they provide within their own sites. On some comparison tables we use a star rating which rates products by visitor popularity.
Please ensure that you fully read the terms & conditions of any product or policy before you decide to proceed and are fully aware of the total costs and the benefits and any exclusions or limitations applicable to the product or plan.
Please note that the product links will take you direct to the Issuer or Insurer's site direct and we cannot be held responsible for the information which they provide within their own sites. On some comparison tables we use a star rating which rates products by visitor popularity.
